The lessons
- 11.1
OCF, TER, AMC — three acronyms, one idea
Three names for what a fund takes before you see a return.
- 11.2
What a platform fee costs over a decade
A percentage that sounds small, worked through over ten years.
- 11.3
Dealing charges and regular investing
What each trade costs, and why frequency matters more than size.
- 11.4
The FX fee you didn't notice on your US trades
Buying a dollar stock costs you twice — once for the share, once for the dollars.
- 11.5
Stamp duty on UK share purchases
The tax you pay for buying, not for winning.
- 11.6
ISA vs general investment account, factually
Two accounts, two sets of rules. The differences, not the decision.
- 11.7
ISA vs SIPP — the mechanical differences
Relief on the way in, or freedom on the way out.
- 11.8
The UK dividend allowance
How much dividend income falls outside tax, and what happens above it.
- 11.9
The capital gains allowance
The gain you can realise before CGT applies.
- 11.10
US withholding tax and the W-8BEN
Why a US dividend arrives smaller, and the form that halves the gap.
- 11.11
Bed and ISA — what the process involves
Selling and rebuying inside a wrapper: the steps, and the gap in between.
- 11.12
What happens to your investments if your broker fails
Client assets, ring-fencing, and where FSCS actually applies.
Educational content only. It is not personal financial advice.